Welcome to Points West community BAnk
We are proud to welcome you into Points West Community Bank, a fourth-generation, family-owned community bank.
First Time Login Instructions
- Navigate to pwcbank.com/online-banking, or from this page, select Log In dropdown in the top right corner.
- Select Online Banking.
- Enter your username. Your username will be the same unless otherwise contacted by your local staff.
- For your initial password, enter your username followed by the last four digits of your tax identification number.
- Follow the prompts to create a new password.
- Review and acknowledge the online banking disclosures to continue.
Download the Mobile Banking App
After you have successfully logged in to online banking, you can log in and navigate your digital banking through our mobile app, Points West Mobile. We recommend using the app when accessing your banking on your phone.
FAQs
We’re proud to welcome Berkley Bank and State Bank of Downs customers into the Points West family and understand you may have questions. Please feel free to speak with your local staff or contact any of our locations at any time!
This decision was made thoughtfully and with our customers long-term interests in mind. Points West Community Bank is a family-owned community bank that shares the values of SBD and Berkley Bank – local decision-making, relationship-based service, and a commitment to the communities we serve. Merging our banks will increase products, services, locations and loan limits for customers.
As we move forward merging State Bank of Downs / Berkley Bank with PWCB, product offerings will transition into PWCB when the data processing conversion takes place October 5th, 2026. After this date, your account will reflect the new changes and benefits of your PWCB account.
Below the FAQs section is information on the Points West account offerings and how your State Bank of Downs / Berkley Bank accounts will merge into a PWCB account product on October 5th, 2026.
Yes. You will continue working with the same local bankers and staff who know you and your financial needs. Relationship continuity is a top priority, and the teams at State Bank of Downs and Berkley Bank are committed to continuing their customer relationships.
Online banking via State Bank of Downs / Berkley Bank information will be automatically converted to the Points West community bank online system. In most cases, your usemame will remain the same. In the event your username must be changed, we will contact you.
Access to your new online banking will be available starting October 5, 2026. Please download our mobile app from the App Store or Google Play store.
To log in for the first time navigate to https://pwcbank.com and click on the “Log in” drop down arrow, then click on “Online Banking“. On the login screen enter your username, and for your initial login password, input your username followed by the last four digits of your tax identification number.
You will be prompted to change your password once you log in and will be presented with online banking disclosures that must be acknowledged in order to proceed.
If you previously received your statements electronically you may access your documents through
online banking under Services & Settings/View Statements & Documents and from the mobile app by clicking More/Document Center.
Your Points West online banking gives you access to:
- Transfer money between accounts, internal and external.
- Pay Bills through Online Bill Pay: previous online bill payments DO NOT convert; you will need to reestablish bill payments
- Send money with Zelle®
- Access real-time transactions, statement information, and history
- Connect your accounts to Quicken® and QuickBooks®
All loans and loan terms will transfer as they currently exist. Nothing about your loan terms will change as a result of this transition.
Debit Cards: Current cardholders will receive a new PWCB EMV Debit card in the mail prior to October 5th. You will receive an informational insert in the mail with your new card with additional details. Upon receipt of your new card, you will need to activate it. The new card will work sometime on the weekend of October 3rd, 2026; when your new card starts, your old card will NO LONGER WORK. Please destroy your old card at this time.
Yes. Points West Community Bank is a safe, sound, and well-capitalized financial institution. Points West was awarded 5 Stars by Bauer Financial at their latest exam in 2025, making it highly reliable for depositors.
All deposits continue to be insured according to FDIC guidelines. When two banks become one, special FDIC insurance rules protect customers with deposits over the $250,000 limit for at least six months after a merger.
With Certificate of Deposits, the separate deposit insurance coverage continues until the CD matures. PWCB offers other alternative deposit products to increase individual and business account holder FDIC coverage above the $250,000 threshold. Please visit with your local banker for more information.
Points West combines the personal service of a community bank with modern, best-in-class banking technology. Customers benefit from:
- Secure, award-winning digital banking tools
- Expanded resources and lending capacity
- Experience serving agricultural and urban markets
All while maintaining local decision-making and accountability.
Yes. Members of the Berkley family plan to retain an ownership interest in Points West Community Bank, reinforcing their long-term commitment to the bank and the communities it serves. Brandon Berkley, CEO of SBD/Berkley Bank, will remain with Points West following the merger. Additionally, the State Bank of Downs will retain its name and continue operating as a division of Points West Community Bank.
October 5th.
We encourage you to speak directly with your local branch staff – they are happy to help. You may also contact us by phone or stop by any branch location with questions at any time.
No. Your current checks will be good until you need to reorder. At that time the Bank’s name, logo and routing number will change automatically to Points West Community Bank.
After the data processing conversion on October 5th, 2026, you may call your local branch and the staff will walk you through how to change your account product.
No. All accounts will maintain their current numbers and separate account status.
Yes, call your branch staff for new wiring instructions.
You will be able to make deposits, cash checks, make loan payments or transact any business at your local PWCB branch or ANY of the additional Points West Community Bank locations, MOST of these locations also have ATMs onsite.
Checking Products
1906 Express Checking
Replaces B Checking & Regular Checking Account
Premier Interest Checking
Replaces NOW & Super NOW Account
55+ Interest Checking
Money Market Account
Replaces Money Market & Non-Consumer Money Market Account
Savings Products
Savings Accounts
Replaces ALL Savings Accounts
Individual Retirement Accounts
Replaces IRA Savings Account
Health Savings Accounts
Certificates of Deposit
*All current CDs, including IRA CDs, will remain the same for the current term.
Business Products
Small Business Checking
Business Interest Checking
Commercial Checking
Business Savings
Zero balance accounts will close after 30 days at a zero balance.
All Certificates of Deposits (CD), including IRA CDs, will remain the same for the current term.
All Loan terms will remain the same, please continue to make your payments as usual.
Additional Terms and conditions for ALL of the following account products – 1906 Express Checking, Premier Interest Checking, Money Market, 55+ Interest Checking, Small Business Checking, Commercial Checking, Business Interest Checking.
Payment Order of items – The order in which items are paid if there is not enough money in your account to pay all of the items that are presented. The payment order can affect the number of items overdrawn or returned unpaid and the amount of the fees you may have to pay. To assist you in managing your account we are providing you with the following information regarding how we process those items. Our policy is to process electronic debits first, items without check numbers second, by dollar amount – smallest to largest and then items with check numbers in check number sequence (lowest check number to highest).
If one or more checks, items, or transactions are presented without sufficient funds in your account to pay it, you will be charged an NSF or overdraft fee according to our NSF or overdraft fee policy, which may result in one or more overdraft or NSF Fees. The amounts of the overdraft and NSF fees are disclosed elsewhere. We encourage you to make careful records and practice good account management. This will help you to avoid creating items without sufficient funds and potentially incurring the resulting fees.
A Letter from our CEO, Mark Brase
We’re glad you’re here.
As Berkley Bank and State Bank of Downs join the Points West family, we want you to know that the things that matter most aren’t changing. The people you know, the service you trust, and your day-to-day banking will remain the same.
What this change does bring is strength—additional resources, long-term stability, and a shared commitment to the communities we serve. We’ve built our bank around relationships, and we intend to carry that forward in your community with care and consistency.
We’re proud to welcome you and look forward to serving you for years to come.
Mark Brase, CEO
About Points West Community Bank
Why Points West is Growing
At Points West, growth has always been thoughtful and steady. We don’t grow for the sake of it — we grow where it makes sense, and where we believe we can truly serve.
That’s what brings us to Englewood and Downs.
We’re excited to be part of Englewood’s market and to support its energy and opportunity. And in Downs, we see a community that reflects the same values as the rural towns we’ve served for generations — hard work, strong relationships, and a deep sense of place.
We believe community banking should be available to everyone. We’re financially strong, built for the long term, and committed to showing up in these communities the same way we always have — with consistency, care, and local decision-making.
Simply put, we believe we’re the right fit — and we’re ready to get to work.